id	sid	eid	entity	type
fsr-3470	1	1	brian scholl1	PERSON
fsr-3470	1	2	angela fontes2	PERSON
fsr-3470	2	1	100	CARDINAL
fsr-3470	2	2	washington	GPE
fsr-3470	2	3	20549	DATE
fsr-3470	2	4	the university of chicago	ORG
fsr-3470	2	5	55	CARDINAL
fsr-3470	2	6	east monroe	GPE
fsr-3470	2	7	chicago	GPE
fsr-3470	2	8	il 60602, usa abstract	ORG
fsr-3470	3	1	3,444	CARDINAL
fsr-3470	4	1	two	CARDINAL
fsr-3470	7	1	2022	CARDINAL
fsr-3470	9	1	jel	ORG
fsr-3470	9	2	g11	ORG
fsr-3470	9	3	the securities and exchange commission	ORG
fsr-3470	17	1	1057-0810/22/$	DATE
fsr-3470	17	2	2022	CARDINAL
fsr-3470	19	1	30	CARDINAL
fsr-3470	19	2	2022	CARDINAL
fsr-3470	20	1	nearly 80%	PERCENT
fsr-3470	21	1	99.5 million	CARDINAL
fsr-3470	21	2	2018	DATE
fsr-3470	21	3	2010	DATE
fsr-3470	21	4	2018).2	CARDINAL
fsr-3470	22	1	11	CARDINAL
fsr-3470	23	1	2016	DATE
fsr-3470	25	1	u.s.	GPE
fsr-3470	28	1	the u.s. securities and exchange commission	ORG
fsr-3470	28	2	sec	ORG
fsr-3470	28	3	u. s. securities & exchange commission	ORG
fsr-3470	28	4	2012	DATE
fsr-3470	28	5	sec	ORG
fsr-3470	28	6	congress	ORG
fsr-3470	28	7	dodd	PERSON
fsr-3470	31	1	32	CARDINAL
fsr-3470	31	2	b. scholl	PERSON
fsr-3470	31	3	a. fontes	PERSON
fsr-3470	31	4	30	CARDINAL
fsr-3470	31	5	2022	CARDINAL
fsr-3470	33	1	100,000	MONEY
fsr-3470	33	2	one	CARDINAL
fsr-3470	33	3	s&p	ORG
fsr-3470	33	4	7%	PERCENT
fsr-3470	33	5	approximately $1,300	MONEY
fsr-3470	33	6	20 years	DATE
fsr-3470	33	7	approximately $385,000	MONEY
fsr-3470	34	1	s&p	ORG
fsr-3470	34	2	approximately $80,000	MONEY
fsr-3470	34	3	the same period	DATE
fsr-3470	34	4	less than $240,000	MONEY
fsr-3470	35	1	knowledgeable?5	GPE
fsr-3470	38	1	2019	DATE
fsr-3470	38	2	2012	DATE
fsr-3470	38	3	2008	DATE
fsr-3470	38	4	lusardi & mitchell	ORG
fsr-3470	38	5	2014	DATE
fsr-3470	38	6	lusardi	ORG
fsr-3470	38	7	mitchell, & curto	ORG
fsr-3470	38	8	2014	DATE
fsr-3470	38	9	van rooij	PERSON
fsr-3470	38	10	lusardi, & alessie	ORG
fsr-3470	38	11	2011	DATE
fsr-3470	38	12	scholl & hung	ORG
fsr-3470	38	13	2018	DATE
fsr-3470	40	1	three	CARDINAL
fsr-3470	40	2	mitchell	PERSON
fsr-3470	40	3	lusardi & mitchell	ORG
fsr-3470	40	4	2014, 2008	DATE
fsr-3470	41	1	2008	DATE
fsr-3470	41	2	lin et al.	PERSON
fsr-3470	41	3	2019	DATE
fsr-3470	41	4	van rooij	PERSON
fsr-3470	41	5	lusardi, & alessie	ORG
fsr-3470	41	6	2011	DATE
fsr-3470	42	1	145,000	MONEY
fsr-3470	44	1	5	CARDINAL
fsr-3470	46	1	b. scholl	PERSON
fsr-3470	46	2	a. fontes	PERSON
fsr-3470	46	3	30	CARDINAL
fsr-3470	46	4	2022	CARDINAL
fsr-3470	47	1	33	CARDINAL
fsr-3470	48	1	2004	DATE
fsr-3470	62	1	scholl & hung	ORG
fsr-3470	62	2	2018	DATE
fsr-3470	63	1	34	CARDINAL
fsr-3470	63	2	b. scholl	PERSON
fsr-3470	63	3	a. fontes	PERSON
fsr-3470	63	4	30	CARDINAL
fsr-3470	63	5	2022	CARDINAL
fsr-3470	63	6	barber et al.	PERSON
fsr-3470	63	7	2005	DATE
fsr-3470	63	8	2010	DATE
fsr-3470	63	9	carhart	ORG
fsr-3470	63	10	1997	DATE
fsr-3470	63	11	sec	ORG
fsr-3470	63	12	2016	DATE
fsr-3470	64	1	scholl, & vanepps	ORG
fsr-3470	64	2	2021	CARDINAL
fsr-3470	64	3	scholl	ORG
fsr-3470	64	4	2020	DATE
fsr-3470	65	1	section 2	LAW
fsr-3470	65	2	section 3	LAW
fsr-3470	65	3	section 4	LAW
fsr-3470	65	4	section 5	LAW
fsr-3470	65	5	6	CARDINAL
fsr-3470	66	1	2	CARDINAL
fsr-3470	67	1	the united states	GPE
fsr-3470	67	2	2008	DATE
fsr-3470	67	3	2012	DATE
fsr-3470	67	4	2019	DATE
fsr-3470	67	5	lusardi & mitchell	ORG
fsr-3470	67	6	2014	DATE
fsr-3470	67	7	lusardi & tufano	ORG
fsr-3470	67	8	2009	DATE
fsr-3470	67	9	2015	DATE
fsr-3470	67	10	lusardi	ORG
fsr-3470	67	11	mitchell, & curto	ORG
fsr-3470	67	12	2014	DATE
fsr-3470	67	13	van rooij	PERSON
fsr-3470	67	14	lusardi, & alessie	ORG
fsr-3470	67	15	2011	DATE
fsr-3470	68	1	lusardi & mitchell	ORG
fsr-3470	68	2	2014, 2011	DATE
fsr-3470	68	3	lusardi & mitchell	ORG
fsr-3470	68	4	2008	DATE
fsr-3470	69	1	lin et al.	PERSON
fsr-3470	69	2	2019	DATE
fsr-3470	69	3	lusardi	PERSON
fsr-3470	69	4	2008	DATE
fsr-3470	69	5	2011	DATE
fsr-3470	71	1	campbell	ORG
fsr-3470	71	2	2007	DATE
fsr-3470	71	3	swedish	NORP
fsr-3470	72	1	hundreds	CARDINAL
fsr-3470	72	2	2014	DATE
fsr-3470	72	3	kaiser & menkhoff	ORG
fsr-3470	72	4	2017	DATE
fsr-3470	72	5	2020	DATE
fsr-3470	73	1	2020	DATE
fsr-3470	73	2	kaiser & menkhoff	ORG
fsr-3470	73	3	2020	DATE
fsr-3470	73	4	al.	PERSON
fsr-3470	73	5	2020	DATE
fsr-3470	73	6	2020	DATE
fsr-3470	74	1	hastings	PERSON
fsr-3470	74	2	madrian	ORG
fsr-3470	74	3	2013	DATE
fsr-3470	74	4	the b. scholl	ORG
fsr-3470	74	5	a. fontes	PERSON
fsr-3470	74	6	30	CARDINAL
fsr-3470	74	7	2022	CARDINAL
fsr-3470	75	1	35	CARDINAL
fsr-3470	76	1	beshears et al	PERSON
fsr-3470	77	1	2018	DATE
fsr-3470	80	1	scholl & hung	ORG
fsr-3470	80	2	2018	DATE
fsr-3470	81	1	turner	ORG
fsr-3470	81	2	2021	CARDINAL
fsr-3470	82	1	three quarters	CARDINAL
fsr-3470	82	2	only a third	CARDINAL
fsr-3470	83	1	kahraman	PERSON
fsr-3470	83	2	2021	CARDINAL
fsr-3470	85	1	naı̈ve	GPE
fsr-3470	87	1	chin	PERSON
fsr-3470	87	2	scholl	PERSON
fsr-3470	87	3	2021	CARDINAL
fsr-3470	88	1	two	CARDINAL
fsr-3470	89	1	scholl	PERSON
fsr-3470	89	2	silverman	PERSON
fsr-3470	89	3	enriquez	ORG
fsr-3470	89	4	2020	DATE
fsr-3470	89	5	2021	DATE
fsr-3470	91	1	one	CARDINAL
fsr-3470	92	1	less than one	CARDINAL
fsr-3470	93	1	today	DATE
fsr-3470	93	2	roughly three-quarters	CARDINAL
fsr-3470	93	3	u.s.	GPE
fsr-3470	95	1	dehaan et al	PERSON
fsr-3470	96	1	2021	CARDINAL
fsr-3470	97	1	jones	PERSON
fsr-3470	97	2	1998	DATE
fsr-3470	99	1	a quarter of a century ago	DATE
fsr-3470	99	2	fdic insurance	ORG
fsr-3470	100	1	36	CARDINAL
fsr-3470	100	2	b. scholl	PERSON
fsr-3470	100	3	a. fontes	PERSON
fsr-3470	100	4	30	CARDINAL
fsr-3470	100	5	2022	CARDINAL
fsr-3470	100	6	alexander	GPE
fsr-3470	100	7	jones	PERSON
fsr-3470	100	8	1998	DATE
fsr-3470	102	1	alexander et al	PERSON
fsr-3470	103	1	1998).8	CARDINAL
fsr-3470	105	1	recent decades	DATE
fsr-3470	105	2	barber et al	PERSON
fsr-3470	106	1	2005	DATE
fsr-3470	106	2	elton et al	PERSON
fsr-3470	107	1	2011	DATE
fsr-3470	108	1	2011	DATE
fsr-3470	109	1	2010	DATE
fsr-3470	110	1	2011	DATE
fsr-3470	111	1	weber	PERSON
fsr-3470	111	2	2010	DATE
fsr-3470	114	1	scholl	ORG
fsr-3470	114	2	2020	DATE
fsr-3470	114	3	500	CARDINAL
fsr-3470	117	1	scholl	ORG
fsr-3470	117	2	scholl	PERSON
fsr-3470	117	3	2021	CARDINAL
fsr-3470	118	1	bhattacharya et al	PERSON
fsr-3470	119	1	2017	CARDINAL
fsr-3470	119	2	1.69%	PERCENT
fsr-3470	120	1	3	CARDINAL
fsr-3470	120	2	3.1	CARDINAL
fsr-3470	120	3	3,444	CARDINAL
fsr-3470	120	4	three	CARDINAL
fsr-3470	120	5	10-month	DATE
fsr-3470	120	6	amerispeak	PERSON
fsr-3470	120	7	u.s.	GPE
fsr-3470	120	8	the b. scholl	ORG
fsr-3470	120	9	a. fontes	PERSON
fsr-3470	120	10	30	CARDINAL
fsr-3470	120	11	2022	CARDINAL
fsr-3470	121	1	37	CARDINAL
fsr-3470	128	1	ic ch ar ac te	PERSON
fsr-3470	128	2	ri st ic s	PERSON
fsr-3470	128	3	y g ro u p	PERSON
fsr-3470	133	1	ic ch ar ac te	PERSON
fsr-3470	133	2	ri st ic s	PERSON
fsr-3470	133	3	y g ro u p p	PERSON
fsr-3470	134	1	al li	PERSON
fsr-3470	136	1	io	LOC
fsr-3470	136	2	ia	GPE
fsr-3470	139	1	ta l l	ORG
fsr-3470	140	1	li te ra	PERSON
fsr-3470	142	1	al cu la te	FAC
fsr-3470	143	1	ec	ORG
fsr-3470	144	1	al e	PERSON
fsr-3470	144	2	5	CARDINAL
fsr-3470	144	3	5 %	PERCENT
fsr-3470	144	4	8 %	PERCENT
fsr-3470	144	5	6 4 .4 2 %	PERCENT
fsr-3470	144	6	5 %	PERCENT
fsr-3470	144	7	8 %	PERCENT
fsr-3470	144	8	5 8	DATE
fsr-3470	144	9	4 %	PERCENT
fsr-3470	144	10	7 %	PERCENT
fsr-3470	144	11	6 .7 6 %	PERCENT
fsr-3470	144	12	4 .0	PERCENT
fsr-3470	146	1	4 .2	PERCENT
fsr-3470	146	2	0 %	PERCENT
fsr-3470	146	3	4 .2 4 %	PERCENT
fsr-3470	146	4	3 .3 3 %	PERCENT
fsr-3470	146	5	3	CARDINAL
fsr-3470	146	6	6 %	PERCENT
fsr-3470	146	7	4 %	PERCENT
fsr-3470	147	1	3 %	PERCENT
fsr-3470	147	2	2 5 .4 9 %	PERCENT
fsr-3470	147	3	2 7 .1	DATE
fsr-3470	147	4	8 %	PERCENT
fsr-3470	147	5	2 %	PERCENT
fsr-3470	147	6	4 5	DATE
fsr-3470	147	7	8 %	PERCENT
fsr-3470	147	8	2 8	DATE
fsr-3470	147	9	8 %	PERCENT
fsr-3470	147	10	2 8 .7	DATE
fsr-3470	147	11	9 %	PERCENT
fsr-3470	147	12	9 %	PERCENT
fsr-3470	147	13	3 %	PERCENT
fsr-3470	147	14	2	CARDINAL
fsr-3470	147	15	2 %	PERCENT
fsr-3470	147	16	6 0	DATE
fsr-3470	148	1	9 %	PERCENT
fsr-3470	148	2	2 9 .7	DATE
fsr-3470	148	3	3 %	PERCENT
fsr-3470	148	4	8 %	PERCENT
fsr-3470	149	1	2 %	PERCENT
fsr-3470	149	2	4 1 .1	DATE
fsr-3470	149	3	5 %	PERCENT
fsr-3470	149	4	2 %	PERCENT
fsr-3470	149	5	ac	ORG
fsr-3470	149	6	y w h	ORG
fsr-3470	149	7	2 %	PERCENT
fsr-3470	149	8	6 3	DATE
fsr-3470	149	9	1 %	PERCENT
fsr-3470	150	1	7 %	PERCENT
fsr-3470	150	2	2 %	PERCENT
fsr-3470	153	1	3 .7 5 %	PERCENT
fsr-3470	153	2	6 %	PERCENT
fsr-3470	154	1	3 .7 3 %	PERCENT
fsr-3470	154	2	3 .3 7 %	PERCENT
fsr-3470	154	3	2 .9	MONEY
fsr-3470	155	1	4 .7 6 %	PERCENT
fsr-3470	155	2	6 %	PERCENT
fsr-3470	155	3	3 .8 6 %	PERCENT
fsr-3470	156	1	3 %	PERCENT
fsr-3470	156	2	3 .2 4 %	PERCENT
fsr-3470	156	3	3 .1 1 %	PERCENT
fsr-3470	156	4	8 .0 7 %	PERCENT
fsr-3470	156	5	6 %	PERCENT
fsr-3470	156	6	8 .0 5 %	PERCENT
fsr-3470	156	7	7 .7 6 %	PERCENT
fsr-3470	156	8	9 .9 8 %	PERCENT
fsr-3470	156	9	9 %	PERCENT
fsr-3470	164	1	1 %	PERCENT
fsr-3470	164	2	0 .3 3 %	PERCENT
fsr-3470	164	3	0 .7 7 %	PERCENT
fsr-3470	164	4	0 %	PERCENT
fsr-3470	165	1	3 %	PERCENT
fsr-3470	166	1	h sc	ORG
fsr-3470	170	1	al en t	ORG
fsr-3470	170	2	3 %	PERCENT
fsr-3470	170	3	1 7	DATE
fsr-3470	170	4	7 %	PERCENT
fsr-3470	170	5	4 .3 3 %	PERCENT
fsr-3470	170	6	6 .5	PERCENT
fsr-3470	170	7	6 %	PERCENT
fsr-3470	170	8	3 .9 9 %	PERCENT
fsr-3470	170	9	4 .9 4 %	PERCENT
fsr-3470	170	10	8 %	PERCENT
fsr-3470	170	11	4 4	DATE
fsr-3470	170	12	9 %	PERCENT
fsr-3470	170	13	2 %	PERCENT
fsr-3470	170	14	2 5 .4 2 %	PERCENT
fsr-3470	170	15	3 %	PERCENT
fsr-3470	170	16	1 %	PERCENT
fsr-3470	170	17	o	DATE
fsr-3470	170	18	ab o v e	ORG
fsr-3470	170	19	6 3 .7	QUANTITY
fsr-3470	170	20	9 %	PERCENT
fsr-3470	170	21	3 2 .4 3 %	PERCENT
fsr-3470	170	22	3 %	PERCENT
fsr-3470	170	23	4 %	PERCENT
fsr-3470	170	24	9 %	PERCENT
fsr-3470	170	25	2 %	PERCENT
fsr-3470	170	26	0	CARDINAL
fsr-3470	170	27	6 %	PERCENT
fsr-3470	170	28	8 %	PERCENT
fsr-3470	170	29	2 %	PERCENT
fsr-3470	171	1	5 %	PERCENT
fsr-3470	171	2	5 .8	PERCENT
fsr-3470	172	1	3	MONEY
fsr-3470	172	2	7 %	PERCENT
fsr-3470	172	3	7 %	PERCENT
fsr-3470	172	4	9 %	PERCENT
fsr-3470	172	5	3 %	PERCENT
fsr-3470	172	6	6 %	PERCENT
fsr-3470	172	7	6	MONEY
fsr-3470	172	8	0	CARDINAL
fsr-3470	172	9	9 9	DATE
fsr-3470	172	10	8 %	PERCENT
fsr-3470	172	11	2	CARDINAL
fsr-3470	172	12	7 %	PERCENT
fsr-3470	172	13	3 0	DATE
fsr-3470	172	14	6 %	PERCENT
fsr-3470	172	15	3 1 .5	DATE
fsr-3470	172	16	9 %	PERCENT
fsr-3470	172	17	2 9	DATE
fsr-3470	172	18	5 %	PERCENT
fsr-3470	172	19	1	MONEY
fsr-3470	172	20	0	CARDINAL
fsr-3470	174	1	o	DATE
fsr-3470	174	2	3 6	CARDINAL
fsr-3470	175	1	7 %	PERCENT
fsr-3470	175	2	4 %	PERCENT
fsr-3470	175	3	9 %	PERCENT
fsr-3470	175	4	4 %	PERCENT
fsr-3470	175	5	0 .2	MONEY
fsr-3470	175	6	7 %	PERCENT
fsr-3470	176	1	n et w o rt h in d eb	ORG
fsr-3470	176	2	2 %	PERCENT
fsr-3470	176	3	7 %	PERCENT
fsr-3470	176	4	8 .8 8 %	PERCENT
fsr-3470	176	5	9 .8	PERCENT
fsr-3470	177	1	8 .1	PERCENT
fsr-3470	178	1	2 .5	PERCENT
fsr-3470	178	2	8 %	PERCENT
fsr-3470	179	1	o 9	DATE
fsr-3470	180	1	3 %	PERCENT
fsr-3470	180	2	6 .3 7 %	PERCENT
fsr-3470	180	3	8 .2 3 %	PERCENT
fsr-3470	180	4	5 .6 1 %	PERCENT
fsr-3470	180	5	2 .2 6 %	PERCENT
fsr-3470	180	6	7 8 .0 8 %	PERCENT
fsr-3470	180	7	4 7	DATE
fsr-3470	181	1	4 %	PERCENT
fsr-3470	181	2	7 %	PERCENT
fsr-3470	181	3	8 %	PERCENT
fsr-3470	182	1	o	DATE
fsr-3470	182	2	ec	ORG
fsr-3470	182	3	9 %	PERCENT
fsr-3470	182	4	1 3	DATE
fsr-3470	182	5	1 %	PERCENT
fsr-3470	182	6	2 %	PERCENT
fsr-3470	182	7	3 %	PERCENT
fsr-3470	182	8	1	CARDINAL
fsr-3470	182	9	0 .0 0	PERCENT
fsr-3470	183	1	2 7	DATE
fsr-3470	183	2	9 %	PERCENT
fsr-3470	183	3	3 +	DATE
fsr-3470	183	4	7 .0 3 %	PERCENT
fsr-3470	183	5	6 %	PERCENT
fsr-3470	183	6	1 %	PERCENT
fsr-3470	183	7	2 9	DATE
fsr-3470	183	8	2 %	PERCENT
fsr-3470	184	1	1	CARDINAL
fsr-3470	184	2	0 .0 0 %	PERCENT
fsr-3470	184	3	al li te	PERSON
fsr-3470	184	4	cy sc	ORG
fsr-3470	184	5	o	DATE
fsr-3470	184	6	2 .4	MONEY
fsr-3470	184	7	3 2 .7	QUANTITY
fsr-3470	184	8	1 5	CARDINAL
fsr-3470	184	9	3	CARDINAL
fsr-3470	184	10	0	CARDINAL
fsr-3470	184	11	2 9 3 1 n	TIME
fsr-3470	184	12	li te	PERSON
fsr-3470	184	13	g ro u	PERSON
fsr-3470	187	1	3	CARDINAL
fsr-3470	187	2	ec	ORG
fsr-3470	188	1	g ro u	PERSON
fsr-3470	188	2	ec	ORG
fsr-3470	189	1	3 + ar e re	QUANTITY
fsr-3470	189	2	w	ORG
fsr-3470	190	1	u rt h	ORG
fsr-3470	190	2	u ar ti le	FAC
fsr-3470	193	1	38	CARDINAL
fsr-3470	193	2	b. scholl	PERSON
fsr-3470	193	3	a. fontes	PERSON
fsr-3470	193	4	30	CARDINAL
fsr-3470	193	5	2022	CARDINAL
fsr-3470	194	1	31–56	CARDINAL
fsr-3470	194	2	approximately $10	MONEY
fsr-3470	195	1	21	CARDINAL
fsr-3470	195	2	a few minutes	TIME
fsr-3470	197	1	u.s.	GPE
fsr-3470	197	2	over 97%	PERCENT
fsr-3470	198	1	1	CARDINAL
fsr-3470	199	1	u.s.	GPE
fsr-3470	199	2	3.2	CARDINAL
fsr-3470	199	3	2008	DATE
fsr-3470	199	4	lusardi & mitchell	ORG
fsr-3470	199	5	2014	DATE
fsr-3470	199	6	forbes & kara	ORG
fsr-3470	199	7	2010	DATE
fsr-3470	199	8	alexander	PERSON
fsr-3470	199	9	jones, & nigro	ORG
fsr-3470	199	10	1998	DATE
fsr-3470	210	1	b. scholl	PERSON
fsr-3470	210	2	a. fontes	PERSON
fsr-3470	210	3	30	CARDINAL
fsr-3470	210	4	2022	CARDINAL
fsr-3470	210	5	39	CARDINAL
fsr-3470	212	1	2012	DATE
fsr-3470	212	2	sec	ORG
fsr-3470	212	3	u.s. securities and exchange commission	ORG
fsr-3470	212	4	2012	DATE
fsr-3470	212	5	congress	ORG
fsr-3470	214	1	19	CARDINAL
fsr-3470	216	1	23	CARDINAL
fsr-3470	221	1	one	CARDINAL
fsr-3470	223	1	scholl, & vanepps	ORG
fsr-3470	223	2	2021	DATE
fsr-3470	228	1	thousands	CARDINAL
fsr-3470	228	2	scholl	ORG
fsr-3470	228	3	2020	DATE
fsr-3470	229	1	40	CARDINAL
fsr-3470	229	2	b. scholl	PERSON
fsr-3470	229	3	a. fontes	PERSON
fsr-3470	229	4	30	CARDINAL
fsr-3470	229	5	2022	CARDINAL
fsr-3470	230	1	11	CARDINAL
fsr-3470	230	2	four	CARDINAL
fsr-3470	232	1	1	CARDINAL
fsr-3470	232	2	thousands	CARDINAL
fsr-3470	233	1	2	CARDINAL
fsr-3470	234	1	3	CARDINAL
fsr-3470	236	1	4	CARDINAL
fsr-3470	238	1	5	CARDINAL
fsr-3470	239	1	the securities and exchange commission	ORG
fsr-3470	239	2	sec	ORG
fsr-3470	241	1	6	CARDINAL
fsr-3470	243	1	7	CARDINAL
fsr-3470	243	2	yearly	DATE
fsr-3470	244	1	8	CARDINAL
fsr-3470	246	1	9	CARDINAL
fsr-3470	248	1	10	CARDINAL
fsr-3470	250	1	11	CARDINAL
fsr-3470	251	1	a given year	DATE
fsr-3470	251	2	the year	DATE
fsr-3470	252	1	four	CARDINAL
fsr-3470	254	1	the securities and exchange commission	ORG
fsr-3470	258	1	b. scholl	PERSON
fsr-3470	258	2	a. fontes	PERSON
fsr-3470	258	3	30	CARDINAL
fsr-3470	258	4	2022	CARDINAL
fsr-3470	259	1	41	CARDINAL
fsr-3470	260	1	2	CARDINAL
fsr-3470	260	2	y g ro u p p	PERSON
fsr-3470	260	3	ec	ORG
fsr-3470	260	4	y g ro u p p	PERSON
fsr-3470	260	5	al li	PERSON
fsr-3470	262	1	u s p	ORG
fsr-3470	262	2	o	DATE
fsr-3470	262	3	ta l s e l	FAC
fsr-3470	262	4	w li te	PERSON
fsr-3470	266	1	ar k et s	PERSON
fsr-3470	267	1	o	DATE
fsr-3470	267	2	u sa n d s	PERSON
fsr-3470	269	1	u tu al fu	PERSON
fsr-3470	271	1	7 1 .0	MONEY
fsr-3470	272	1	8	CARDINAL
fsr-3470	272	2	u tu al fu	PERSON
fsr-3470	274	1	o	DATE
fsr-3470	275	1	6 4 .2	MONEY
fsr-3470	275	2	o	DATE
fsr-3470	275	3	lo se m	ORG
fsr-3470	276	1	u tu al fu n	PERSON
fsr-3470	278	1	6 6	CARDINAL
fsr-3470	278	2	o	DATE
fsr-3470	278	3	lo se m	ORG
fsr-3470	279	1	u tu al fu n	PERSON
fsr-3470	281	1	0 3 7 .4 7 2	PERCENT
fsr-3470	282	1	u tu al fu	PERSON
fsr-3470	286	1	e se cu ri ti es re g u la	ORG
fsr-3470	290	1	fu tu	PERSON
fsr-3470	292	1	u tu al fu	PERSON
fsr-3470	295	1	3 2 .9	QUANTITY
fsr-3470	295	2	0 1 7	DATE
fsr-3470	295	3	7 4 .4 5 4	PERCENT
fsr-3470	296	1	o	DATE
fsr-3470	296	2	u tu al fu n	PERSON
fsr-3470	296	3	ea	CARDINAL
fsr-3470	296	4	3 1 6 .2 2 4	QUANTITY
fsr-3470	296	5	ch ar g ed	PERSON
fsr-3470	298	1	ia	GPE
fsr-3470	299	1	u rc h	ORG
fsr-3470	300	1	8	CARDINAL
fsr-3470	300	2	0 7 .4 5 1 .2 5	PERCENT
fsr-3470	300	3	u tu al fu	PERSON
fsr-3470	302	1	ry au th	PERSON
fsr-3470	302	2	o ri ti es .	PERSON
fsr-3470	303	1	2 2 .8	MONEY
fsr-3470	303	2	7	CARDINAL
fsr-3470	303	3	9	CARDINAL
fsr-3470	303	4	o rt ed	PERSON
fsr-3470	305	1	ec	ORG
fsr-3470	305	2	7	CARDINAL
fsr-3470	305	3	2	CARDINAL
fsr-3470	305	4	2	CARDINAL
fsr-3470	306	1	u tu al fu	PERSON
fsr-3470	308	1	ea	CARDINAL
fsr-3470	311	1	ea	CARDINAL
fsr-3470	312	1	0 1 .3 5 1 .3	MONEY
fsr-3470	312	2	ea	CARDINAL
fsr-3470	312	3	ec	ORG
fsr-3470	312	4	5 .1	MONEY
fsr-3470	312	5	6 .1 5 .4 3 .3	PERCENT
fsr-3470	312	6	3	CARDINAL
fsr-3470	312	7	0	CARDINAL
fsr-3470	312	8	42	CARDINAL
fsr-3470	312	9	b. scholl	ORG
fsr-3470	312	10	a. fontes	PERSON
fsr-3470	312	11	30	CARDINAL
fsr-3470	312	12	2022	CARDINAL
fsr-3470	312	13	4	CARDINAL
fsr-3470	312	14	4.1	CARDINAL
fsr-3470	313	1	2	CARDINAL
fsr-3470	315	1	11	CARDINAL
fsr-3470	315	2	only six	CARDINAL
fsr-3470	315	3	more than half	CARDINAL
fsr-3470	316	1	five	CARDINAL
fsr-3470	316	2	only a third	CARDINAL
fsr-3470	318	1	over 71 percent	PERCENT
fsr-3470	318	2	thousands	CARDINAL
fsr-3470	319	1	carvalho & silverman	ORG
fsr-3470	319	2	2019	DATE
fsr-3470	319	3	agnew &	ORG
fsr-3470	319	4	2005	DATE
fsr-3470	320	1	e. g.	PERSON
fsr-3470	322	1	36%	PERCENT
fsr-3470	323	1	almost half	CARDINAL
fsr-3470	323	2	45%	PERCENT
fsr-3470	323	3	more than three-quarters	CARDINAL
fsr-3470	323	4	81%	PERCENT
fsr-3470	324	1	one-third	CARDINAL
fsr-3470	324	2	32%	PERCENT
fsr-3470	324	3	sec	ORG
fsr-3470	326	1	nearly two-thirds	CARDINAL
fsr-3470	326	2	67%	PERCENT
fsr-3470	326	3	brown & goetzmann	ORG
fsr-3470	326	4	1995	DATE
fsr-3470	326	5	carhart	ORG
fsr-3470	326	6	1997	DATE
fsr-3470	326	7	goetzmann & ibbotson	ORG
fsr-3470	326	8	1994	DATE
fsr-3470	326	9	1995).15	CARDINAL
fsr-3470	327	1	only a quarter	DATE
fsr-3470	327	2	24%	PERCENT
fsr-3470	327	3	yearly	DATE
fsr-3470	328	1	only 16%	PERCENT
fsr-3470	329	1	seventy-eight percent	PERCENT
fsr-3470	330	1	three-fifths	CARDINAL
fsr-3470	330	2	60%	PERCENT
fsr-3470	331	1	b. scholl	PERSON
fsr-3470	331	2	a. fontes	PERSON
fsr-3470	331	3	30	CARDINAL
fsr-3470	331	4	2022	CARDINAL
fsr-3470	333	1	only 14%	PERCENT
fsr-3470	337	1	2017	CARDINAL
fsr-3470	338	1	4.2	CARDINAL
fsr-3470	340	1	fig	ORG
fsr-3470	341	1	1	CARDINAL
fsr-3470	342	1	fig	ORG
fsr-3470	343	1	2	CARDINAL
fsr-3470	344	1	5.5	CARDINAL
fsr-3470	346	1	5.1	CARDINAL
fsr-3470	346	2	5.0	CARDINAL
fsr-3470	346	3	2a	CARDINAL
fsr-3470	348	1	52.2%	PERCENT
fsr-3470	348	2	less than six	CARDINAL
fsr-3470	348	3	13.2%	PERCENT
fsr-3470	348	4	less than two	CARDINAL
fsr-3470	349	1	only 11.3%	PERCENT
fsr-3470	349	2	at least nine	CARDINAL
fsr-3470	351	1	three	CARDINAL
fsr-3470	353	1	1	CARDINAL
fsr-3470	354	1	44	CARDINAL
fsr-3470	354	2	b. scholl	PERSON
fsr-3470	354	3	a. fontes	PERSON
fsr-3470	354	4	30	CARDINAL
fsr-3470	354	5	2022	CARDINAL
fsr-3470	354	6	31–56	CARDINAL
fsr-3470	354	7	less than three	CARDINAL
fsr-3470	355	1	2,150	CARDINAL
fsr-3470	355	2	6.1	CARDINAL
fsr-3470	355	3	two	CARDINAL
fsr-3470	355	4	10.5	CARDINAL
fsr-3470	355	5	0.00	CARDINAL
fsr-3470	356	1	6.1	CARDINAL
fsr-3470	357	1	0.44	CARDINAL
fsr-3470	358	1	fig	ORG
fsr-3470	359	1	2	CARDINAL
fsr-3470	360	1	fig	ORG
fsr-3470	361	1	3	CARDINAL
fsr-3470	361	2	two	CARDINAL
fsr-3470	362	1	b. scholl	PERSON
fsr-3470	362	2	a. fontes	PERSON
fsr-3470	362	3	30	CARDINAL
fsr-3470	362	4	2022	CARDINAL
fsr-3470	363	1	45	CARDINAL
fsr-3470	368	1	2a	CARDINAL
fsr-3470	369	1	only about 13%	PERCENT
fsr-3470	370	1	3.3	CARDINAL
fsr-3470	370	2	5.4	CARDINAL
fsr-3470	370	3	2	CARDINAL
fsr-3470	370	4	15.2	CARDINAL
fsr-3470	370	5	.001	CARDINAL
fsr-3470	372	1	about three quarters	CARDINAL
fsr-3470	372	2	nearly ninety	CARDINAL
fsr-3470	375	1	4	CARDINAL
fsr-3470	376	1	46	CARDINAL
fsr-3470	376	2	b. scholl	PERSON
fsr-3470	376	3	a. fontes	PERSON
fsr-3470	376	4	30	CARDINAL
fsr-3470	376	5	2022	CARDINAL
fsr-3470	376	6	4.3	CARDINAL
fsr-3470	376	7	11	CARDINAL
fsr-3470	379	1	2016	CARDINAL
fsr-3470	379	2	11	CARDINAL
fsr-3470	380	1	1	CARDINAL
fsr-3470	382	1	1960, 1970	DATE
fsr-3470	383	1	two	CARDINAL
fsr-3470	383	2	over 1	CARDINAL
fsr-3470	383	3	one	CARDINAL
fsr-3470	383	4	second	ORDINAL
fsr-3470	383	5	3	CARDINAL
fsr-3470	385	1	3	CARDINAL
fsr-3470	386	1	between 0.44 and .70	CARDINAL
fsr-3470	387	1	0.59	CARDINAL
fsr-3470	387	2	.76	GPE
fsr-3470	388	1	11	CARDINAL
fsr-3470	388	2	4.4	CARDINAL
fsr-3470	389	1	2016).17	CARDINAL
fsr-3470	389	2	4	CARDINAL
fsr-3470	390	1	3	CARDINAL
fsr-3470	390	2	1	CARDINAL
fsr-3470	390	3	2	CARDINAL
fsr-3470	391	1	2	CARDINAL
fsr-3470	391	2	0.6663 11	PRODUCT
fsr-3470	391	3	0.6020	CARDINAL
fsr-3470	391	4	a. fontes	PERSON
fsr-3470	391	5	30	CARDINAL
fsr-3470	391	6	2022	CARDINAL
fsr-3470	392	1	47	CARDINAL
fsr-3470	392	2	1	CARDINAL
fsr-3470	392	3	4	CARDINAL
fsr-3470	392	4	2	CARDINAL
fsr-3470	392	5	2017	CARDINAL
fsr-3470	392	6	3	CARDINAL
fsr-3470	394	1	appropriate.18	ORG
fsr-3470	394	2	5	CARDINAL
fsr-3470	395	1	4.5	CARDINAL
fsr-3470	397	1	a year	DATE
fsr-3470	398	1	4	CARDINAL
fsr-3470	398	2	1	CARDINAL
fsr-3470	398	3	2) fwb	MONEY
fsr-3470	398	4	3	CARDINAL
fsr-3470	398	5	0.104	CARDINAL
fsr-3470	398	6	0.008	CARDINAL
fsr-3470	398	7	0.053	CARDINAL
fsr-3470	398	8	0.006	CARDINAL
fsr-3470	398	9	0.238	CARDINAL
fsr-3470	398	10	0.021	CARDINAL
fsr-3470	398	11	0.009	CARDINAL
fsr-3470	398	12	0.001	CARDINAL
fsr-3470	398	13	0.007	CARDINAL
fsr-3470	398	14	0.497	CARDINAL
fsr-3470	398	15	0.264	CARDINAL
fsr-3470	398	16	0.043	CARDINAL
fsr-3470	398	17	0.015	CARDINAL
fsr-3470	398	18	0.022	CARDINAL
fsr-3470	398	19	0.011	CARDINAL
fsr-3470	398	20	0.416	CARDINAL
fsr-3470	398	21	age 30–44 0.008	DATE
fsr-3470	398	22	0.036	CARDINAL
fsr-3470	398	23	0.037	CARDINAL
fsr-3470	398	24	0.027	CARDINAL
fsr-3470	398	25	4.023	CARDINAL
fsr-3470	398	26	1.034	CARDINAL
fsr-3470	398	27	0.036	CARDINAL
fsr-3470	398	28	0.071	CARDINAL
fsr-3470	398	29	0.027	CARDINAL
fsr-3470	398	30	4.747	CARDINAL
fsr-3470	398	31	1.039	CARDINAL
fsr-3470	398	32	age 60	DATE
fsr-3470	398	33	0.068	CARDINAL
fsr-3470	398	34	0.036	CARDINAL
fsr-3470	398	35	0.096	CARDINAL
fsr-3470	398	36	0.027	CARDINAL
fsr-3470	398	37	3.060	CARDINAL
fsr-3470	398	38	1.026	CARDINAL
fsr-3470	398	39	0.038	CARDINAL
fsr-3470	398	40	0.070	CARDINAL
fsr-3470	398	41	0.064	CARDINAL
fsr-3470	398	42	0.052	CARDINAL
fsr-3470	398	43	4.132	CARDINAL
fsr-3470	400	1	1.995	CARDINAL
fsr-3470	400	2	0.067	CARDINAL
fsr-3470	400	3	0.089	CARDINAL
fsr-3470	400	4	0.050	CARDINAL
fsr-3470	400	5	3.582	CARDINAL
fsr-3470	400	6	1.921	CARDINAL
fsr-3470	400	7	above 0.017	CARDINAL
fsr-3470	400	8	0.067	CARDINAL
fsr-3470	400	9	0.124	CARDINAL
fsr-3470	401	1	0.050	CARDINAL
fsr-3470	401	2	1.886	CARDINAL
fsr-3470	401	3	1.926	CARDINAL
fsr-3470	401	4	0.004	CARDINAL
fsr-3470	401	5	0.024	CARDINAL
fsr-3470	401	6	0.192	CARDINAL
fsr-3470	401	7	0.018	CARDINAL
fsr-3470	401	8	2.884	CARDINAL
fsr-3470	401	9	0.688	CARDINAL
fsr-3470	401	10	0.012	CARDINAL
fsr-3470	401	11	0.022	CARDINAL
fsr-3470	401	12	0.017	CARDINAL
fsr-3470	401	13	6.591	CARDINAL
fsr-3470	401	14	0.032	CARDINAL
fsr-3470	401	15	0.022	CARDINAL
fsr-3470	401	16	0.273	CARDINAL
fsr-3470	401	17	0.017	CARDINAL
fsr-3470	401	18	8.910	CARDINAL
fsr-3470	401	19	0.021	CARDINAL
fsr-3470	401	20	0.037	CARDINAL
fsr-3470	401	21	0.046	CARDINAL
fsr-3470	401	22	0.028	CARDINAL
fsr-3470	401	23	1.372	CARDINAL
fsr-3470	401	24	1.054	CARDINAL
fsr-3470	401	25	hispanic	NORP
fsr-3470	401	26	0.068	CARDINAL
fsr-3470	401	27	0.033	CARDINAL
fsr-3470	401	28	0.014	CARDINAL
fsr-3470	401	29	0.024	CARDINAL
fsr-3470	401	30	0.729	CARDINAL
fsr-3470	401	31	0.931	CARDINAL
fsr-3470	401	32	0.030	CARDINAL
fsr-3470	401	33	0.026	CARDINAL
fsr-3470	401	34	0.053	CARDINAL
fsr-3470	402	1	0.019	CARDINAL
fsr-3470	402	2	2.378	CARDINAL
fsr-3470	402	3	0.733	CARDINAL
fsr-3470	402	4	0.008	CARDINAL
fsr-3470	402	5	0.030	CARDINAL
fsr-3470	402	6	0.030	CARDINAL
fsr-3470	402	7	0.022	CARDINAL
fsr-3470	402	8	3.056	CARDINAL
fsr-3470	403	1	0.036	CARDINAL
fsr-3470	403	2	0.023	CARDINAL
fsr-3470	403	3	0.017	CARDINAL
fsr-3470	403	4	9.510	CARDINAL
fsr-3470	403	5	0.647	CARDINAL
fsr-3470	403	6	0.233	CARDINAL
fsr-3470	403	7	0.076	CARDINAL
fsr-3470	403	8	0.056	CARDINAL
fsr-3470	403	9	2.158	CARDINAL
fsr-3470	403	10	3,444	CARDINAL
fsr-3470	403	11	3,444	CARDINAL
fsr-3470	403	12	3,444	CARDINAL
fsr-3470	403	13	0.100	CARDINAL
fsr-3470	403	14	0.096	CARDINAL
fsr-3470	403	15	0.291	CARDINAL
fsr-3470	403	16	3,426	CARDINAL
fsr-3470	403	17	17	CARDINAL
fsr-3470	403	18	3,426	CARDINAL
fsr-3470	403	19	22.438	CARDINAL
fsr-3470	405	1	0.1	CARDINAL
fsr-3470	405	2	0.05	CARDINAL
fsr-3470	405	3	0.01	CARDINAL
fsr-3470	406	1	48	CARDINAL
fsr-3470	406	2	b. scholl	PERSON
fsr-3470	406	3	a. fontes	PERSON
fsr-3470	406	4	30	CARDINAL
fsr-3470	406	5	2022	CARDINAL
fsr-3470	406	6	31–56	CARDINAL
fsr-3470	407	1	elton et al.	PERSON
fsr-3470	407	2	1993	DATE
fsr-3470	407	3	elton & gruber	ORG
fsr-3470	407	4	2013	DATE
fsr-3470	407	5	elton et al.	PERSON
fsr-3470	407	6	2011	DATE
fsr-3470	407	7	gruber, 1996	DATE
fsr-3470	408	1	only 20%	PERCENT
fsr-3470	408	2	scholl & fontes	ORG
fsr-3470	408	3	2019	DATE
fsr-3470	408	4	only 21.6%	PERCENT
fsr-3470	410	1	1	CARDINAL
fsr-3470	410	2	10.4	CARDINAL
fsr-3470	410	3	4	CARDINAL
fsr-3470	410	4	1	CARDINAL
fsr-3470	412	1	roughly five	CARDINAL
fsr-3470	412	2	0.02	CARDINAL
fsr-3470	413	1	5	CARDINAL
fsr-3470	413	2	age 18–29	DATE
fsr-3470	413	3	30–44	CARDINAL
fsr-3470	413	4	non-hispanic	NORP
fsr-3470	413	5	african american	NORP
fsr-3470	413	6	non-hispanic	NORP
fsr-3470	413	7	hispanic	NORP
fsr-3470	413	8	less than $35,000	MONEY
fsr-3470	413	9	$35000–$59,999 $60,000–$99,999 $100,000	MONEY
fsr-3470	413	10	zero	CARDINAL
fsr-3470	413	11	zero	CARDINAL
fsr-3470	413	12	40%	PERCENT
fsr-3470	413	13	0–3	CARDINAL
fsr-3470	413	14	0	CARDINAL
fsr-3470	413	15	3	CARDINAL
fsr-3470	413	16	b. scholl	PERSON
fsr-3470	413	17	a. fontes	PERSON
fsr-3470	413	18	30	CARDINAL
fsr-3470	413	19	2022	CARDINAL
fsr-3470	413	20	0.096	CARDINAL
fsr-3470	413	21	anova	ORG
fsr-3470	413	22	8.9%	PERCENT
fsr-3470	413	23	0.004%	PERCENT
fsr-3470	413	24	49.8	CARDINAL
fsr-3470	413	25	2.3	CARDINAL
fsr-3470	413	26	308.45	CARDINAL
fsr-3470	413	27	14.45	CARDINAL
fsr-3470	416	1	only 1.3%	PERCENT
fsr-3470	417	1	4.6	CARDINAL
fsr-3470	419	1	2018	DATE
fsr-3470	421	1	4	CARDINAL
fsr-3470	421	2	2	CARDINAL
fsr-3470	421	3	1	CARDINAL
fsr-3470	421	4	5.3	CARDINAL
fsr-3470	421	5	0.001	CARDINAL
fsr-3470	423	1	0.198	CARDINAL
fsr-3470	424	1	anova	ORG
fsr-3470	424	2	approximately 7.5%	PERCENT
fsr-3470	427	1	4.7	CARDINAL
fsr-3470	428	1	fwb	ORG
fsr-3470	429	1	two	CARDINAL
fsr-3470	431	1	50	CARDINAL
fsr-3470	431	2	b. scholl	PERSON
fsr-3470	431	3	a. fontes	PERSON
fsr-3470	431	4	30	CARDINAL
fsr-3470	431	5	2022	CARDINAL
fsr-3470	431	6	31–56	CARDINAL
fsr-3470	431	7	2017	CARDINAL
fsr-3470	434	1	4	CARDINAL
fsr-3470	434	2	3	CARDINAL
fsr-3470	434	3	1	CARDINAL
fsr-3470	434	4	fwb	GPE
fsr-3470	434	5	0.753	CARDINAL
fsr-3470	435	1	13.6	CARDINAL
fsr-3470	435	2	0.29	CARDINAL
fsr-3470	436	1	anova	ORG
fsr-3470	436	2	8.7%	PERCENT
fsr-3470	436	3	fwb	GPE
fsr-3470	436	4	2.3	CARDINAL
fsr-3470	437	1	95%	PERCENT
fsr-3470	438	1	4.8.	CARDINAL
fsr-3470	438	2	11	CARDINAL
fsr-3470	443	1	11.4	CARDINAL
fsr-3470	443	2	nine	CARDINAL
fsr-3470	444	1	1.3%	PERCENT
fsr-3470	445	1	the united states	GPE
fsr-3470	449	1	b. scholl	PERSON
fsr-3470	449	2	a. fontes	PERSON
fsr-3470	449	3	30	CARDINAL
fsr-3470	449	4	2022	CARDINAL
fsr-3470	450	1	51	CARDINAL
fsr-3470	455	1	scholl	PERSON
fsr-3470	455	2	2020	DATE
fsr-3470	455	3	scholl, & vanepps	ORG
fsr-3470	455	4	2021	DATE
fsr-3470	456	1	0.44	CARDINAL
fsr-3470	456	2	nearly one-third	CARDINAL
fsr-3470	460	1	1	CARDINAL
fsr-3470	462	1	two	CARDINAL
fsr-3470	463	1	2	CARDINAL
fsr-3470	463	2	scholl & hung	ORG
fsr-3470	463	3	2018	DATE
fsr-3470	463	4	etfs	ORG
fsr-3470	464	1	3	CARDINAL
fsr-3470	464	2	only one	CARDINAL
fsr-3470	466	1	4	CARDINAL
fsr-3470	467	1	the department of labor	ORG
fsr-3470	468	1	52	CARDINAL
fsr-3470	468	2	b. scholl	PERSON
fsr-3470	468	3	a. fontes	PERSON
fsr-3470	468	4	30	CARDINAL
fsr-3470	468	5	2022	CARDINAL
fsr-3470	469	1	1996	DATE
fsr-3470	469	2	elton et al	PERSON
fsr-3470	470	1	1993	DATE
fsr-3470	470	2	elton	PERSON
fsr-3470	470	3	gruber	PERSON
fsr-3470	470	4	2013	DATE
fsr-3470	470	5	elton et al	PERSON
fsr-3470	471	1	2011	DATE
fsr-3470	472	1	6	CARDINAL
fsr-3470	472	2	sec	ORG
fsr-3470	473	1	7	CARDINAL
fsr-3470	473	2	2019, 2020	DATE
fsr-3470	474	1	8	CARDINAL
fsr-3470	474	2	jones	PERSON
fsr-3470	474	3	1998	DATE
fsr-3470	475	1	9	CARDINAL
fsr-3470	475	2	https://amerispeak.norc.org/	PERSON
fsr-3470	476	1	pdf	ORG
fsr-3470	477	1	amerispeak	PERSON
fsr-3470	477	2	10	CARDINAL
fsr-3470	477	3	amerispeak	PERSON
fsr-3470	478	1	11	CARDINAL
fsr-3470	478	2	u.s.	GPE
fsr-3470	479	1	12	CARDINAL
fsr-3470	481	1	two	CARDINAL
fsr-3470	482	1	scholl	ORG
fsr-3470	482	2	2019	CARDINAL
fsr-3470	483	1	13	CARDINAL
fsr-3470	483	2	1996	DATE
fsr-3470	486	1	first	ORDINAL
fsr-3470	486	2	second	ORDINAL
fsr-3470	487	1	14	CARDINAL
fsr-3470	488	1	15	CARDINAL
fsr-3470	490	1	16	CARDINAL
fsr-3470	491	1	clarkson & jennrich	ORG
fsr-3470	491	2	1988	DATE
fsr-3470	492	1	two	CARDINAL
fsr-3470	492	2	0.55	CARDINAL
fsr-3470	493	1	17	CARDINAL
fsr-3470	493	2	2008	DATE
fsr-3470	493	3	2017	CARDINAL
fsr-3470	494	1	b. scholl	PERSON
fsr-3470	494	2	a. fontes	PERSON
fsr-3470	494	3	30	CARDINAL
fsr-3470	494	4	2022	CARDINAL
fsr-3470	495	1	53 18	QUANTITY
fsr-3470	497	1	19	CARDINAL
fsr-3470	498	1	three	CARDINAL
fsr-3470	499	1	agnew	PERSON
fsr-3470	499	2	j. r., &	PERSON
fsr-3470	499	3	l. r.	PERSON
fsr-3470	499	4	2005	DATE
fsr-3470	501	1	6(2	CARDINAL
fsr-3470	501	2	57–70	CARDINAL
fsr-3470	502	1	alexander	PERSON
fsr-3470	502	2	g. j.	PERSON
fsr-3470	502	3	jones	PERSON
fsr-3470	502	4	j. d., & nigro	PERSON
fsr-3470	503	1	1998	DATE
fsr-3470	505	1	7	CARDINAL
fsr-3470	505	2	301–316	DATE
fsr-3470	506	1	barber	PERSON
fsr-3470	506	2	b. m.	PERSON
fsr-3470	506	3	t., & zheng	ORG
fsr-3470	506	4	2005	DATE
fsr-3470	508	1	the journal of business	ORG
fsr-3470	508	2	78	CARDINAL
fsr-3470	508	3	2095–2120	CARDINAL
fsr-3470	508	4	beshears	ORG
fsr-3470	508	5	j.	PERSON
fsr-3470	508	6	j. j.	PERSON
fsr-3470	508	7	laibson	GPE
fsr-3470	508	8	d., & madrian	ORG
fsr-3470	508	9	b. c. (	PERSON
fsr-3470	508	10	2018	DATE
fsr-3470	510	1	d. bernheim	GPE
fsr-3470	510	2	d. laibson	ORG
fsr-3470	510	3	s. dellavigna	PERSON
fsr-3470	510	4	1	CARDINAL
fsr-3470	510	5	1	CARDINAL
fsr-3470	511	1	177–276	CARDINAL
fsr-3470	512	1	amsterdam	GPE
fsr-3470	512	2	beshears	PERSON
fsr-3470	512	3	j.	PERSON
fsr-3470	512	4	j. j.	PERSON
fsr-3470	512	5	laibson	GPE
fsr-3470	512	6	d., & madrian	ORG
fsr-3470	512	7	b. c. (	PERSON
fsr-3470	512	8	2011	DATE
fsr-3470	514	1	d. a.	GPE
fsr-3470	516	1	chicago	GPE
fsr-3470	516	2	il: university of chicago	ORG
fsr-3470	517	1	meyer	ORG
fsr-3470	517	2	s., & hackethal	ORG
fsr-3470	517	3	a.	PERSON
fsr-3470	517	4	2017	CARDINAL
fsr-3470	518	1	etfs	ORG
fsr-3470	519	1	21	CARDINAL
fsr-3470	519	2	1217	CARDINAL
fsr-3470	519	3	1250	CARDINAL
fsr-3470	520	1	brown	PERSON
fsr-3470	520	2	s. j., & goetzmann	PERSON
fsr-3470	520	3	w. n. (	PERSON
fsr-3470	520	4	1995	DATE
fsr-3470	522	1	50	CARDINAL
fsr-3470	522	2	679–698	CARDINAL
fsr-3470	523	1	l. e.	PERSON
fsr-3470	523	2	campbell	ORG
fsr-3470	523	3	j. y., & sodini	ORG
fsr-3470	523	4	2007	DATE
fsr-3470	525	1	115	CARDINAL
fsr-3470	525	2	707–747	CARDINAL
fsr-3470	526	1	carhart	ORG
fsr-3470	526	2	m. m. (	PERSON
fsr-3470	526	3	1997	DATE
fsr-3470	528	1	52	CARDINAL
fsr-3470	528	2	57–82	CARDINAL
fsr-3470	528	3	l., & silverman	ORG
fsr-3470	528	4	2019	DATE
fsr-3470	530	1	nber	ORG
fsr-3470	530	2	26036	DATE
fsr-3470	531	1	cambridge	GPE
fsr-3470	531	2	ma: national bureau of economic research, inc.	ORG
fsr-3470	531	3	chin, a.	PERSON
fsr-3470	531	4	scholl	PERSON
fsr-3470	531	5	b., & vanepps	ORG
fsr-3470	531	6	e.	PERSON
fsr-3470	531	7	2021	CARDINAL
fsr-3470	532	1	jargon	ORG
fsr-3470	533	1	2021–2001	CARDINAL
fsr-3470	534	1	washington	GPE
fsr-3470	534	2	dc	GPE
fsr-3470	535	1	choi	ORG
fsr-3470	535	2	j. j.	PERSON
fsr-3470	535	3	laibson	GPE
fsr-3470	535	4	d., & madrian	ORG
fsr-3470	535	5	b. c.	PERSON
fsr-3470	535	6	2010	DATE
fsr-3470	536	1	one	CARDINAL
fsr-3470	538	1	23	CARDINAL
fsr-3470	538	2	1405–1432	CARDINAL
fsr-3470	539	1	clarkson	ORG
fsr-3470	539	2	d. b.	PERSON
fsr-3470	539	3	r. i.	PERSON
fsr-3470	539	4	1988	DATE
fsr-3470	541	1	53	CARDINAL
fsr-3470	541	2	251–259	CARDINAL
fsr-3470	542	1	consumer financial protection bureau	ORG
fsr-3470	543	1	2017	CARDINAL
fsr-3470	545	1	https://files.consumerfinance.gov/f/documents/201705_cfpb_financial-wellbeing-scale-technical-report.pdf dehaan	ORG
fsr-3470	545	2	e.	PERSON
fsr-3470	545	3	xie	PERSON
fsr-3470	545	4	c., & zhu	ORG
fsr-3470	545	5	2021	CARDINAL
fsr-3470	547	1	ssrn electronic journal	ORG
fsr-3470	547	2	2010	DATE
fsr-3470	548	1	davoli	PERSON
fsr-3470	548	2	m., & rodrı́guez-planas	ORG
fsr-3470	548	3	2020	DATE
fsr-3470	549	1	the united states	GPE
fsr-3470	550	1	78, 102013	DATE
fsr-3470	551	1	r. f.	PERSON
fsr-3470	551	2	2016	DATE
fsr-3470	552	1	26	CARDINAL
fsr-3470	553	1	thousand	CARDINAL
fsr-3470	554	1	elan	ORG
fsr-3470	554	2	s. (2011	ORG
fsr-3470	555	1	the united states	GPE
fsr-3470	556	1	washington	GPE
fsr-3470	556	2	dc	GPE
fsr-3470	556	3	congress federal research	ORG
fsr-3470	557	1	elton	PERSON
fsr-3470	557	2	e. j., & gruber	PERSON
fsr-3470	557	3	m. j.	PERSON
fsr-3470	557	4	2013	DATE
fsr-3470	559	1	g. m. constantinides	PERSON
fsr-3470	559	2	m. harris	PERSON
fsr-3470	560	1	r. m. stulz	PERSON
fsr-3470	560	2	2	CARDINAL
fsr-3470	560	3	1011–1061	CARDINAL
fsr-3470	561	1	amsterdam	GPE
fsr-3470	562	1	54	CARDINAL
fsr-3470	562	2	b. scholl	PERSON
fsr-3470	562	3	a. fontes	PERSON
fsr-3470	562	4	30	CARDINAL
fsr-3470	562	5	2022	CARDINAL
fsr-3470	562	6	e. j.	PERSON
fsr-3470	562	7	m. j.	PERSON
fsr-3470	562	8	j. a.	PERSON
fsr-3470	562	9	2011	DATE
fsr-3470	565	1	59	CARDINAL
fsr-3470	565	2	261–288	CARDINAL
fsr-3470	565	3	elton	PERSON
fsr-3470	565	4	e. j.	PERSON
fsr-3470	565	5	m. j.	PERSON
fsr-3470	565	6	das, s., & hlavka	GPE
fsr-3470	565	7	1993	DATE
fsr-3470	567	1	6	CARDINAL
fsr-3470	567	2	1–22	CARDINAL
fsr-3470	568	1	fernandes	PERSON
fsr-3470	568	2	d.	NORP
fsr-3470	568	3	lynch	GPE
fsr-3470	568	4	j. g. , jr.	PERSON
fsr-3470	568	5	r. g.	PERSON
fsr-3470	568	6	2014	DATE
fsr-3470	569	1	60	CARDINAL
fsr-3470	569	2	1861–1883	DATE
fsr-3470	570	1	fontes, a.	ORG
fsr-3470	570	2	jain, a.	ORG
fsr-3470	570	3	m., & dwan	ORG
fsr-3470	570	4	k.	PERSON
fsr-3470	570	5	2019	DATE
fsr-3470	573	1	washington	GPE
fsr-3470	573	2	dc	GPE
fsr-3470	573	3	forbes	PERSON
fsr-3470	573	4	j., & kara	ORG
fsr-3470	573	5	s. m.	PERSON
fsr-3470	573	6	2010	DATE
fsr-3470	575	1	31	CARDINAL
fsr-3470	575	2	435–443	CARDINAL
fsr-3470	576	1	w. n., & ibbotson	PERSON
fsr-3470	576	2	r. g.	PERSON
fsr-3470	576	3	1994	DATE
fsr-3470	578	1	20	CARDINAL
fsr-3470	578	2	9–18	CARDINAL
fsr-3470	578	3	hastings	PERSON
fsr-3470	578	4	j. s.	PERSON
fsr-3470	578	5	b. c., & skimmyhorn	PERSON
fsr-3470	578	6	w. l.	PERSON
fsr-3470	578	7	2013	DATE
fsr-3470	580	1	annual	DATE
fsr-3470	580	2	5	CARDINAL
fsr-3470	580	3	347–373.e	DATE
fsr-3470	581	1	a., & syverson	ORG
fsr-3470	582	1	500	CARDINAL
fsr-3470	583	1	quarterly	DATE
fsr-3470	583	2	119	CARDINAL
fsr-3470	583	3	403–456	CARDINAL
fsr-3470	585	1	2010	DATE
fsr-3470	586	1	2010	DATE
fsr-3470	587	1	washington	GPE
fsr-3470	587	2	dc	GPE
fsr-3470	589	1	2018	DATE
fsr-3470	590	1	2018	DATE
fsr-3470	591	1	washington	GPE
fsr-3470	591	2	dc	GPE
fsr-3470	592	1	joint research centre-european commission	ORG
fsr-3470	593	1	2008	DATE
fsr-3470	595	1	paris	GPE
fsr-3470	596	1	oecd	ORG
fsr-3470	597	1	kahraman	PERSON
fsr-3470	597	2	b.	PERSON
fsr-3470	597	3	2021	CARDINAL
fsr-3470	599	1	quarterly	DATE
fsr-3470	599	2	11(1	CARDINAL
fsr-3470	599	3	2150004	DATE
fsr-3470	600	1	kaiser, h. f. (1960).	ORG
fsr-3470	602	1	20	CARDINAL
fsr-3470	602	2	141–151	CARDINAL
fsr-3470	603	1	kaiser	ORG
fsr-3470	603	2	h. f.	PERSON
fsr-3470	603	3	1970	DATE
fsr-3470	604	1	second	ORDINAL
fsr-3470	605	1	35	CARDINAL
fsr-3470	605	2	401–415	DATE
fsr-3470	606	1	kaiser	ORG
fsr-3470	606	2	t., & menkhoff	ORG
fsr-3470	606	3	2017	CARDINAL
fsr-3470	608	1	31	DATE
fsr-3470	608	2	611–630	CARDINAL
fsr-3470	609	1	kaiser	ORG
fsr-3470	609	2	t., & menkhoff	ORG
fsr-3470	609	3	2020	DATE
fsr-3470	611	1	78, 101930	DATE
fsr-3470	612	1	lin	PERSON
fsr-3470	612	2	j. t.	PERSON
fsr-3470	612	3	t.	GPE
fsr-3470	612	4	mottola	GPE
fsr-3470	612	5	walsh	PERSON
fsr-3470	612	6	ganem	GPE
fsr-3470	612	7	r.	NORP
fsr-3470	612	8	kieffer	ORG
fsr-3470	612	9	c., & lusardi	ORG
fsr-3470	612	10	a.	PERSON
fsr-3470	612	11	2019	DATE
fsr-3470	613	1	2018	DATE
fsr-3470	614	1	lusardi	PERSON
fsr-3470	614	2	a. (	PERSON
fsr-3470	614	3	2008	DATE
fsr-3470	616	1	cambridge	GPE
fsr-3470	616	2	ma: national bureau of economic research	ORG
fsr-3470	617	1	lusardi	PERSON
fsr-3470	617	2	a.	PERSON
fsr-3470	617	3	2011	DATE
fsr-3470	619	1	o. s. mitchell & a. lusardi	ORG
fsr-3470	620	1	cambridge	GPE
fsr-3470	620	2	ma: oxford university press	ORG
fsr-3470	621	1	lusardi	PERSON
fsr-3470	621	2	a.	PERSON
fsr-3470	621	3	2012	DATE
fsr-3470	623	1	cambridge	GPE
fsr-3470	623	2	ma: national bureau of economic research	ORG
fsr-3470	624	1	lusardi	PERSON
fsr-3470	624	2	a.	PERSON
fsr-3470	624	3	2019	DATE
fsr-3470	626	1	swiss journal of economics	ORG
fsr-3470	626	2	155	CARDINAL
fsr-3470	626	3	1.e	DATE
fsr-3470	627	1	lusardi	PERSON
fsr-3470	627	2	a.	PERSON
fsr-3470	627	3	michaud	PERSON
fsr-3470	627	4	p. c.	PERSON
fsr-3470	627	5	o. s.	PERSON
fsr-3470	627	6	2020	DATE
fsr-3470	629	1	78	CARDINAL
fsr-3470	629	2	101899	DATE
fsr-3470	630	1	lusardi	PERSON
fsr-3470	630	2	a., & mitchell	ORG
fsr-3470	630	3	o. s.	PERSON
fsr-3470	630	4	2014	DATE
fsr-3470	632	1	52	DATE
fsr-3470	632	2	5–44	CARDINAL
fsr-3470	632	3	lusardi	PERSON
fsr-3470	632	4	a., & mitchell	ORG
fsr-3470	632	5	o. s.	PERSON
fsr-3470	632	6	2008	DATE
fsr-3470	634	1	american	NORP
fsr-3470	634	2	98	CARDINAL
fsr-3470	634	3	413–417	CARDINAL
fsr-3470	635	1	lusardi	PERSON
fsr-3470	635	2	mitchell, o. s.	PERSON
fsr-3470	635	3	2014	DATE
fsr-3470	637	1	journal of pension economics & finance	ORG
fsr-3470	637	2	13	CARDINAL
fsr-3470	637	3	347–366	CARDINAL
fsr-3470	638	1	b. scholl	PERSON
fsr-3470	638	2	a. fontes	PERSON
fsr-3470	638	3	30	CARDINAL
fsr-3470	638	4	2022	CARDINAL
fsr-3470	638	5	55	CARDINAL
fsr-3470	638	6	a., & tufano	ORG
fsr-3470	638	7	2009	DATE
fsr-3470	640	1	nber	GPE
fsr-3470	640	2	14808	DATE
fsr-3470	641	1	washington	GPE
fsr-3470	641	2	dc	GPE
fsr-3470	641	3	national bureau of economic research, inc.	ORG
fsr-3470	641	4	lusardi	PERSON
fsr-3470	641	5	a., & tufano	ORG
fsr-3470	641	6	2015	CARDINAL
fsr-3470	643	1	14	CARDINAL
fsr-3470	643	2	332–368	CARDINAL
fsr-3470	644	1	b. g.	PERSON
fsr-3470	644	2	1995	DATE
fsr-3470	645	1	1971 to 1991	DATE
fsr-3470	646	1	50	CARDINAL
fsr-3470	646	2	549–572	CARDINAL
fsr-3470	646	3	muller	ORG
fsr-3470	646	4	l. a.	PERSON
fsr-3470	646	5	j. a.	PERSON
fsr-3470	646	6	2021	CARDINAL
fsr-3470	648	1	8	CARDINAL
fsr-3470	649	1	s., & weber	ORG
fsr-3470	649	2	m. (	PERSON
fsr-3470	649	3	2010	DATE
fsr-3470	651	1	62	CARDINAL
fsr-3470	651	2	126–153	CARDINAL
fsr-3470	652	1	scholl	PERSON
fsr-3470	652	2	2020	DATE
fsr-3470	655	1	washington	GPE
fsr-3470	655	2	dc	GPE
fsr-3470	655	3	sec	ORG
fsr-3470	656	1	scholl	PERSON
fsr-3470	656	2	b., & fontes	ORG
fsr-3470	656	3	a.	PERSON
fsr-3470	656	4	2019	DATE
fsr-3470	659	1	washington	GPE
fsr-3470	659	2	dc	GPE
fsr-3470	659	3	sec	ORG
fsr-3470	660	1	scholl	PERSON
fsr-3470	660	2	2018	DATE
fsr-3470	662	1	washington	GPE
fsr-3470	662	2	dc	GPE
fsr-3470	663	1	https://www.sec.gov/files/retail-market-for-investment-advice.pdf scholl	ORG
fsr-3470	663	2	b.	PERSON
fsr-3470	663	3	d., & enriquez	ORG
fsr-3470	663	4	2020	DATE
fsr-3470	665	1	santa monica	GPE
fsr-3470	666	1	scholl	PERSON
fsr-3470	666	2	b.	PERSON
fsr-3470	666	3	d., & enriquez	ORG
fsr-3470	666	4	m.	PERSON
fsr-3470	666	5	2021	CARDINAL
fsr-3470	669	1	washington	GPE
fsr-3470	669	2	dc	GPE
fsr-3470	669	3	sec	ORG
fsr-3470	670	1	collins	PERSON
fsr-3470	670	2	j. m., & brown	PERSON
fsr-3470	670	3	2020	DATE
fsr-3470	672	1	78	CARDINAL
fsr-3470	672	2	10178	DATE
fsr-3470	673	1	u. s. securities & exchange commission	ORG
fsr-3470	674	1	2012	DATE
fsr-3470	676	1	washington	GPE
fsr-3470	676	2	dc	GPE
fsr-3470	677	1	2012/917	PRODUCT
fsr-3470	677	2	m.	PERSON
fsr-3470	677	3	a., & alessie	ORG
fsr-3470	677	4	r. (	PERSON
fsr-3470	677	5	2011	DATE
fsr-3470	679	1	journal of financial economics	ORG
fsr-3470	679	2	101	CARDINAL
fsr-3470	679	3	449–472	CARDINAL
fsr-3470	680	1	56	CARDINAL
fsr-3470	680	2	b. scholl	PERSON
fsr-3470	680	3	a. fontes	PERSON
fsr-3470	680	4	30	CARDINAL
fsr-3470	680	5	2022	CARDINAL
fsr-3470	680	6	31–56	CARDINAL